How did CASS's Q4 earnings surprise impact its annual performance?

Cass Information Systems (CASS) experienced a significant decline in net income, from $34.9 million in 2022 to $19.17 million in 2024, while total revenue remained relatively stable at $183.83 million in 2022 and $196.96 million in 2023, before increasing to $199.64 million in 2024:

|code|Ticker|Name|Date|Net Income YoY|Net Income|market_code|
|---|---|---|---|---|---|---|
|CASS|CASS.O|Cass Information Systems|2022 Q1|16.78687597228115|8258000|185|
|CASS|CASS.O|Cass Information Systems|2022 Q2|21.861656703672075|8562000|185|
|CASS|CASS.O|Cass Information Systems|2022 Q3|29.301983835415136|8799000|185|
|CASS|CASS.O|Cass Information Systems|2022 Q4|20.553103090106468|9285000|185|
|CASS|CASS.O|Cass Information Systems|2023 Q1|-13.816904819568904|7117000|185|
|CASS|CASS.O|Cass Information Systems|2023 Q2|-16.63162812427003|7138000|185|
|CASS|CASS.O|Cass Information Systems|2023 Q3|-15.967723604955108|7394000|185|
|CASS|CASS.O|Cass Information Systems|2023 Q4|-9.423801830910069|8410000|185|
|CASS|CASS.O|Cass Information Systems|2024 Q1|0.4917802444850359|7152000|185|
|CASS|CASS.O|Cass Information Systems|2024 Q2|-37.181283272625386|4484000|185|

|code|Ticker|Name|Date|Total Revenue YoY|Total Revenue|market_code|
|---|---|---|---|---|---|---|
|CASS|CASS.O|Cass Information Systems|2022 Q1|15.917305585980285|4.2333E7|185|
|CASS|CASS.O|Cass Information Systems|2022 Q2|17.180803217101435|4.4292E7|185|
|CASS|CASS.O|Cass Information Systems|2022 Q3|22.420467071701403|4.7755E7|185|
|CASS|CASS.O|Cass Information Systems|2022 Q4|21.51880068812976|4.9446E7|185|
|CASS|CASS.O|Cass Information Systems|2023 Q1|15.76075402168521|4.9005E7|185|
|CASS|CASS.O|Cass Information Systems|2023 Q2|8.568138715795177|4.8087E7|185|
|CASS|CASS.O|Cass Information Systems|2023 Q3|3.335776358496492|4.9348E7|185|
|CASS|CASS.O|Cass Information Systems|2023 Q4|2.1740889050681553|5.0521E7|185|
|CASS|CASS.O|Cass Information Systems|2024 Q1|1.5671870217324764|4.9773E7|185|
|CASS|CASS.O|Cass Information Systems|2024 Q2|1.8778464033938485|4.899E7|185|

The decrease in net income despite the increase in revenue can be attributed to various factors, such as operational inefficiencies, increased costs, or strategic decisions. However, the exact reasons behind this trend would require a more detailed analysis of CASS's financial statements and market conditions during that period.